Mobile is now the primary channel for most retail banking customers — and the bar set by fintech super-apps means a clunky, web-wrapped app will quietly bleed deposits, card spend and NPS. This page is for retail banks, neobanks, MFIs and SACCOs that need a native iOS and Android banking app shipped on a realistic timeline, integrated to their core, and hardened for the regulator their app store reviews against.
What it does
Redian builds native mobile banking apps that handle the full retail journey: onboarding and KYC, account servicing, domestic and cross-border payments, card management, lending top-ups, statements and in-app support. Biometric login (Face ID, Touch ID, Android BiometricPrompt) is the default, layered with device binding, PIN fallback and step-up authentication for high-value transactions.
The app is built once on a shared architecture and themed per bank — colours, typography, product naming, language packs and feature flags — so a holding group with multiple bank brands or a single bank operating in several countries can run distinct front-ends without forking the codebase.
Where it fits
The product fits three buyer profiles:
- Tier-2 and tier-3 banks replacing an aging vendor app that the core banking vendor bundled in years ago and never modernised.
- MFIs, SACCOs and digital banks in Africa and South Asia that need a low-data, offline-tolerant app for borrowers who don't have the latest Android handset.
- Insurers and broker groups layering policyholder self-service onto their policy administration system — premium payment, claim FNOL, document upload and renewal.
It pairs naturally with the rest of the Redian banking stack: core banking, the loan management system, loan origination and AML screening — so a customer applying for a top-up loan in the app is screened, scored and disbursed against the same engines branch staff use.
Core capabilities
- Onboarding and eKYC — selfie liveness, ID document capture, address proof, sanctions and PEP screening, with the same decisioning rails used in branch.
- Accounts and statements — multi-currency balances, downloadable PDF and CSV statements, transaction search, standing orders.
- Payments — intra-bank, RTGS / NEFT / IMPS, SWIFT, mobile money (M-Pesa, Airtel Money, MTN MoMo), QR pay, scheduled and recurring transfers, beneficiary management with cooling-off periods.
- Card controls — freeze/unfreeze, channel toggles (POS, ATM, online, international), per-channel limits, virtual card issuance, 3-D Secure step-up.
- Lending in-app — pre-approved offers, top-ups, EMI schedule, prepayment, settlement letter requests.
- Servicing — cheque book request, address change, nominee update, dispute raise, secure document vault.
- Support — in-app chat with branch and call centre, video KYC for assisted service, push notifications and an SMS fallback for low-connectivity users.
Security is built in, not bolted on: certificate pinning, runtime application self-protection, jailbreak and root detection, tamper-evident builds, and a documented vulnerability disclosure path.
Integration and architecture
The app talks to an integration layer Redian builds and owns — not directly to the core. That layer normalises calls to your core banking system, card management system, payment switches, mobile money aggregators, document store and CRM. When you swap a vendor downstream — and you will, eventually — the app doesn't change.
Where banks already run Zoho, SuiteCRM or a bespoke service desk, we wire in case creation, SLA tracking and agent context so a customer raising a card dispute in the app lands as a ticket the call centre can actually action.
Why Redian
We are CMMI Level 3 Appraised and ISO Certified, with delivery hubs in Noida, Nairobi, Dubai, London and New York — useful for banks that need on-the-ground support during regulator app store reviews or central bank audits. Our teams have shipped retail banking apps for institutions across Africa, the UAE and South Asia; the core banking deployment for a Cameroon bank included the mobile channel.
Engagement models are flexible: fixed-scope build, staff augmentation for an in-house mobile squad, or a global capability centre where a dedicated Redian team becomes your extended mobile engineering bench. App store submission, post-launch monitoring and managed updates are part of the package — not a separate procurement.
Working with Redian
Tell us what core you run, which markets the app serves and what your six-month roadmap looks like. We'll come back with a realistic delivery plan, a security and regulator checklist for your jurisdiction, and references from comparable rollouts. Start the conversation at contact or browse the case studies.
